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Cash Flow Overview

Change in Cash
$19,743K
Free Cash flow
$8,912K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Increase in demand, interest-bea...
    • Increase in fhlbny term advances...
    • Proceeds from sales, maturities,...
    • Others
Negative Cash Flow Breakdown
    • (increase) in loans, net
    • (decrease) in fhlbny overnight a...
    • (decrease) in time deposits
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
8,810
9,199
7,741
7,792
Amortization of right-of-use assets
243
211
771
-
(increases in) amortization of right-of-use assets
-
-
-
196
Deferred income tax (benefit) expense
-
-
-2,673
-
Provision for credit losses
561
601
1,136
1,064
Losses (gains) on disposal of fixed assets, net
0
0
2
22
Depreciation and amortization of fixed assets
486
484
493
461
Amortization of premiums on securities, net
-161
-163
-162
-179
(gains) on sales of loans held for sale, net
47
21
92
78
Proceeds from sales of loans held for sale
2,514
1,156
4,810
4,439
Loans originated and held for sale
2,186
1,741
1,680
5,224
Losses on sales of other real estate owned, net
0
0
10
0
Write-downs on other real estate owned
-
-
0
0
Change in fair value of equity investments, net
272
-71
14
136
Losses on securities transactions, net
0
-
0
-17,498
Proceeds from sales of equity investments
-
-
-
0
Write down of equity investments
289
-
-
-
Purchases of equity investments, net
33
82
47
93
Increases in (payments on) operating lease liabilities
-
-
-
195
Amortization of deferred costs on subordinated debt
25
26
26
26
Losses (gains) on interest rate swaps, net
63
5
-42
-2
Income from bank-owned life insurance
7
7
8
8
Decrease (increase) in accrued interest receivable
134
102
-361
-
(increase) in other assets
954
-683
-1,860
-3,066
(decrease) in accrued interest payable
-858
589
-126
-1,435
(decrease) in other liabilities
546
-2,334
3,969
1,861
(payments on) operating leases
239
199
772
-
Expense related to restricted stock units for directors' deferred compensation plan
6
6
6
6
Expense related to employee restricted stock awards
387
340
466
339
Net cash provided by operating activities
9,235
9,038
16,333
12,240
Proceeds from sales of securities available for sale
-
-
-
0
Proceeds from sales, maturities, calls, and principal paydowns on securities available for sale
5,806
5,556
234,532
11,566
Proceeds from sales, maturities and principal collected on securities held to maturity
80
-
200
0
Purchases of securities available for sale
-
-
3,990
-
Purchases of securities held to maturity
1,000
-
160
-
Purchases of fhlbny and frbny stock
5,140
7,040
4,800
1,267
Redemption of fhlbny and frbny stock
4,414
7,542
858
2,569
Proceeds from sales of fixed assets
0
-
82
23
Purchases of premises and equipment
323
133
599
400
Proceeds from sale of other real estate owned
0
0
66
0
Proceeds from bank owned life insurance
0
280
-
-
(increase) in loans, net
55,606
42,050
70,097
70,026
Net cash provided by (used in) investing activities
-51,769
-35,845
-71,213
-57,535
Increase in demand, interest-bearing demand, savings, and insured money market deposits
75,605
48,897
-66,623
23,189
(decrease) in time deposits
-25,567
-5,675
-21,219
-133,635
(decrease) in fhlbny overnight advances, net
-33,120
97,710
-
-55,000
Net increase (decrease) in fhlbny overnight advances
-
-
-22,000
-
Increase in fhlbny term advances, net
47,000
-
-
-
(payments on) finance leases
91
88
86
86
Proceeds from subordinated debt
0
-
0
0
Payment of subordinated debt issuance costs
0
-
0
170
Purchase of treasury stock
11
173
295
11
Sale of treasury stock
99
158
74
233
Cash dividends paid
1,638
1,639
1,630
1,630
Net cash provided by financing activities
62,277
30,080
-2,669
-167,110
Increase in cash and cash equivalents, net
19,743
3,273
-57,549
-212,405
Cash and cash equivalents, beginning of period
53,370
50,097
107,646
47,035
Cash and cash equivalents, end of period
73,113
53,370
50,097
107,646
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Increase in demand,interest-bearing demand,...$75,605K (-2.47%↓ Y/Y)Net income (loss)$8,810K (2153.61%↑ Y/Y)Proceeds from sales ofloans held for sale$2,514K (-48.08%↓ Y/Y)Increase in fhlbny termadvances, net$47,000K Sale of treasurystock$99K (-56.77%↓ Y/Y)Provision for creditlosses$561K (-74.92%↓ Y/Y)(decrease) in otherliabilities$546K (132.37%↑ Y/Y)Depreciation andamortization of fixed assets$486K (-48.35%↓ Y/Y)Expense related toemployee restricted...$387K (-39.63%↓ Y/Y)Write down of equityinvestments$289K Amortization of right-of-useassets$243K Amortization of premiums onsecurities, net-$161K (85.32%↑ Y/Y)Amortization of deferredcosts on subordinated...$25K (525.00%↑ Y/Y)Expense related torestricted stock units for...$6K (-45.45%↓ Y/Y)Net cash provided byfinancing activities$62,277K (5.51%↑ Y/Y)Net cash provided byoperating activities$9,235K (-45.44%↓ Y/Y)Canceled cashflow$60,427K Canceled cashflow$4,793K Increase in cash and cashequivalents, net$19,743K (-92.77%↓ Y/Y)Canceled cashflow$51,769K (decrease) in fhlbnyovernight advances, net-$33,120K (38.79%↑ Y/Y)(decrease) in time deposits-$25,567K (-369.81%↓ Y/Y)Cash dividends paid$1,638K (-46.56%↓ Y/Y)(payments on) financeleases$91K (-44.17%↓ Y/Y)Purchase of treasurystock$11K (-87.78%↓ Y/Y)Proceeds from sales,maturities, calls, and...$5,806K (-79.51%↓ Y/Y)Redemption of fhlbny andfrbny stock$4,414K (-65.00%↓ Y/Y)Proceeds from sales,maturities and principal...$80K (-37.50%↓ Y/Y)Loans originated andheld for sale$2,186K (-68.61%↓ Y/Y)(increase) in other assets$954K (142.75%↑ Y/Y)(decrease) in accruedinterest payable-$858K (-1143.48%↓ Y/Y)Change in fair value ofequity investments,...$272K (345.90%↑ Y/Y)(payments on) operatingleases$239K Decrease (increase) inaccrued interest...$134K Losses (gains) oninterest rate swaps, net$63K (195.45%↑ Y/Y)(gains) on sales of loansheld for sale, net$47K (-48.35%↓ Y/Y)Purchases of equityinvestments, net$33K (-81.56%↓ Y/Y)Income from bank-ownedlife insurance$7K (-56.25%↓ Y/Y)Net cash provided by(used in) investing...-$51,769K (-126.27%↓ Y/Y)Canceled cashflow$10,300K (increase) in loans, net$55,606K (-10.25%↓ Y/Y)Purchases of fhlbny andfrbny stock$5,140K (-50.20%↓ Y/Y)Purchases of securitiesheld to maturity$1,000K Purchases of premises andequipment$323K (-53.05%↓ Y/Y)

CHEMUNG FINANCIAL CORP (CHMG)

CHEMUNG FINANCIAL CORP (CHMG)